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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $407,331 | $227,399+79.1% | $189,758+114.7% | $198,609+105.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 17.13% | 61.03%-43.9pp | 52.62%-35.5pp | 202.70%-185.6pp |
| Employer contribution / active EE | $5,543 | $5,526+0.3% | $4,767+16.3% | $5,055+9.7% |
| Participant deferral / active EE | $8,391 | $6,837+22.7% | $5,856+43.3% | $6,977+20.3% |
| Admin fee / account holder | $9,226 | $25,162-63.3% | $20,388-54.7% | $19,030-51.5% |